Insurer Scorecard

Michigan · Auto insurance · 2024

Michigan auto insurance complaint ratios, 2024

Complaints per $1 million of Michigan premiums for 82 auto insurers with at least $1 million of premiums in 2024, from the Department of Insurance and Financial Services. Lowest ratio first.

How to read the Michigan complaint ratio

The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".

Liberty Surplus Insurance Corporation0.011$67,213,533
Great West Casualty Company0.021$45,518,699
Cincinnati Insurance Company, the0.021$45,215,073
Secura Insurance Company0.031$31,173,442
Cincinnati Casualty Company, the0.031$29,517,258
Fremont Insurance Company0.048$196,363,062
United Services Automobile Association0.044$92,726,641
Michigan Insurance Company0.042$52,392,012
Auto Owners Insurance Company0.0577$1,563,052,867
Farm Bureau General Insurance Company of Michigan0.0528$523,434,447
Frankenmuth Insurance Company0.0511$243,027,627
Philadelphia Indemnity Insurance Company0.051$21,332,145
National Union Fire Insurance Company of Pittsburgh, Pa.0.061$17,720,968
Citizens Insurance Company of the Midwest0.0745$641,309,231
Pioneer State Mutual Insurance Company0.0710$151,092,101
Old Republic Insurance Company0.072$26,927,021
Travelers Indemnity Company of Connecticut, the0.071$14,396,849
Farm Bureau Mutual Insurance Company of Michigan0.087$89,301,311
Westfield Insurance Company0.091$11,528,941
National Fire Insurance Company of Hartford0.091$10,613,860
State Farm Mutual Automobile Insurance Company0.10201$2,006,059,385
Hastings Insurance Company0.107$70,614,229
Property and Casualty Insurance Company of Hartford0.101$10,139,365
Progressive Michigan Insurance Company0.11107$982,586,844
Allstate Fire and Casualty Insurance Company0.1147$423,432,261
Meemic Insurance Company0.1135$313,161,037
USAA Casualty Insurance Company0.1226$225,990,831
Essentia Insurance Company0.124$34,559,755
Horace Mann Property & Casualty Insurance Company0.122$16,292,317
Amerisure Mutual Insurance Company0.121$8,561,477
ACE American Insurance Company0.121$8,324,577
Trumbull Insurance Company0.147$50,088,706
Amica Mutual Insurance Company0.142$13,857,248
Memberselect Insurance Company0.15153$992,161,351
Truck Insurance Exchange0.158$54,446,184
Amerisure Insurance Company0.151$6,605,830
MIC General Insurance Corporation0.151$6,586,979
Wolverine Insurance Company0.163$18,403,487
Allstate Property and Casualty Insurance Company0.1715$89,738,731
Esurance Property and Casualty Insurance Company0.1713$74,466,362
Travelers Indemnity Company of America, the0.171$6,039,451
Motorists Commercial Mutual Insurance Company0.171$5,905,113
Sentry Insurance Company0.182$10,820,281
Progressive Marathon Insurance Company0.19294$1,588,737,596
Safeco Insurance Company of Illinois0.197$36,403,113
Auto Club Group Insurance Company0.2033$162,519,007
Michigan Automobile Insurance Placement Facility0.203$15,317,115
American Select Insurance Company0.216$28,635,450
American Economy Insurance Company0.2325$109,621,416
State Automobile Mutual Insurance Company0.252$7,934,534
AmGUARD Insurance Company0.251$4,050,915
LM Insurance Corporation0.251$3,955,571
Farmers Group Property and Casualty Insurance Company0.2610$37,851,711
American Modern Property and Casualty Insurance Company0.281$3,624,011
GEICO Indemnity Company0.2915$50,861,304
National General Insurance Company0.3016$53,898,624
Liberty Mutual Fire Insurance Company0.304$13,540,636
Farmers Insurance Exchange0.3224$75,240,474
Government Employees Insurance Company0.3325$75,360,130
LM General Insurance Company0.3317$50,947,482
United States Fire Insurance Company0.332$6,074,745
American Family Connect Property and Casualty Insurance Company0.345$14,802,003
GEICO General Insurance Company0.345$14,613,697
Bristol West Preferred Insurance Company0.3736$96,987,824
Liberty Mutual Insurance Company0.371$2,733,641
Liberty Mutual Personal Insurance Company0.3859$155,888,554
USA Underwriters Insurance Company0.3815$39,230,558
Grange Insurance Company of Michigan0.404$9,908,233
Indemnity Insurance Company of North America0.411$2,421,768
Titan Insurance Company0.4316$37,269,505
Harleysville Insurance Company0.451$2,218,910
Hartford Insurance Company of the Southeast0.6512$18,470,626
Home-Owners Insurance Company0.8610$11,611,546
Vanliner Insurance Company0.871$1,146,989
Auto Club Insurance Association0.9517$17,881,372
Everest National Insurance Company1.104$3,647,630
Allstate Insurance Company1.1412$10,522,642
Farmers Direct Property and Casualty Insurance Company1.192$1,679,697
Integon National Insurance Company1.209$7,493,202
Citizens United Reciprocal Exchange1.99223$112,056,325
State Farm Fire and Casualty Company3.848$2,081,441
Berkshire Hathaway Direct Insurance Company4.735$1,058,115

Other years: 2023, 2025

Sources

  1. Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)

Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.